Crossroads Magic by Dixie Jo Jarchow (Paperback)

Liv doesn't believe in magic but when she visits Iceland, she befriends a dwarf who is stuck on a bridge. The angry little man throws an amulet at her in repayment. It binds into her body and she finds she's agreed to be the Elf Warrior and defend the Realm from the menace of the Evil One. As her new powers manifest themselves, Liv has only a magic book to guide her, but it's written in Icelandic. Can she accept her birthright and be the Elf Warrior that's needed or will she deny Magic and doom the Elves.